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  1. I'm a newbie who seems to have slipped through the cracks. I had 2 credit cards with HSBC Nevada that were closed a number of years ago and reported accurately. I recently checked my credit reports (1st time in years) to find charge offs on two from HSBC and and additional 2 collection companies on all three reports. On the report that didn't have OC as HSBC, showed Cap 1. I disputed all online before reading the boards to find out it was not the best decision. Also called Cap 1 because I have a CC with them and was confused. Cap 1 informed me that they now hold the other company's c
  2. After my app spree, I applied security freezes to my files on all 3 CRAs for the personal reason that I need to stop myself with this crazy app spree lol As a newbie, I just wanted to know if having security freeze on my credit report will affect future auto- CLI from my credit card companies?
  3. I was able to locate an archived version of the Metro 2® Credit Reporting Resource Guide from 2003 by the Consumer Data Industry Association (CDIA) on the wayback machine that I thought I'd share for others. This explains to creditors how they should be reporting credit information to Equifax, Experian, TransUnion, and Innovis. https://web.archive.org/web/20050520070130/http://www.cdiaonline.org/pdf/Metro_2_Format_2003.pdfBackground from http://www.cdiaonline.org/Metro2/content.cfm?ItemNumber=854 This can be helpful in disputing errors on your credit report. Enjoy reading!
  4. In addition to reporting at statement date, it seems Chase is making additional credit bureau updates when you bring your account to zero. My statement cycled on the 12th and they reported a $400 balance. Paid the $400 on the 15th and today they reported again with a $0 balance. It's the second time that Chase has done that with me. Not sure if the threshold is $0 or not. Maybe next cycle I'll try and see if they update by paying off 50% soon after statement date.
  5. I have several baddies that are due to come off of my Transunion December of this year. I was going to write them a letter to take them off, but I thought I read that they will take them off 6 months early. Should I write to them, call them, or dispute online to try and do this? Thanks in advance, Hijomi
  6. I got a copy of my innovis report and it has lots of errors. It says under companies that requested my report both seen and unseen as being "0". So if no one pulls this CRA is it worth the time to dispute anything with them? Does their info spread around to other places that I might not want showing inaccurate data?
  7. Hi CB. I've had several foreclosures outside of the CA SOL. I'm starting to address those entries on my CR. So far, I've opted out, deleted all of my prior addresses, and formulated a Jack Attack Letter for all 3 CRAs to be mailed out this am. As of now, my scores are TU-695, EQ-688, and EQ- 681. Hopefully, this goes my way and Astoria Federal Savings is deleted. @ SBA - Thanks for your insight and continued help.
  8. Hi, A junk debt buyer bought an old account of mine from 2008. They bought it from a pile of old uncollectable credit cards. I sent a letter to the three credit bureaus (Experian, Equifax, Transunion) asking them to validate the debts, as all I got from the JDB was a one page printout with my name, address account number and amount. In my letter to the credit bureaus I mention specifically that validating this was a good debt. I received a form letter from them today saying that "The FCRA does not require that the consumer credit reporting company obtain documentation such as actual si
  9. So I disputed a private student loan last month because it showed a 90+ late when in fact it was deferred during this time. The balance was wrong and it was never late so I sent Experian a mailed dispute based on these two issues. I simply wanted them to knock off the lates and update the true balance and of course they did what they love to do and aggrevate the hell out of me- they just deleted the entire trade line. Such due diligence on their part This account would have been positive- it was a $1500 loan, with a true balance of only $200 and no lates. Do I have any recourse against th
  10. On following this board's advice, I pay my CC down to a small amount right before I know (thought) it gets reported to the bureaus. This past month I had an $8 balance that EX and EQ showed (reporting date is the last biz day of the month), however my TU is showing $400 since I used my card on the 3rd of May… so what gives? why wouldn't they all show the same $8 balance? I thought the OC furnishes the data to all 3 at the same time btw this is for a secured US bank card
  11. Just read about this. Buried deep (and I mean DEEP...scroll all the way to the bottom) in the financial report EQ filed for 2014-Q1 is the following notice: CFPB Investigation. In February 2014, we received a Civil Investigative Demand (a “CID”) from the Consumer Finance Protection Bureau (the “CFPB”) as part of its investigation to determine whether nationwide consumer reporting agencies have been or are engaging in unlawful acts or practices relating to the advertising, marketing, sale or provision of consumer reports, credit scores or credit monitoring products in violation of the D
  12. Ok so I've researched this board constantly and began my latest repair journey about 5 months ago... I fell into a deep hole back when the recession hit and am trying to make amends. Heres what I'm working with: I have 8 cards reporting, 1 from BofA ($8,500 CO as of 11/10), 1 from Target ($500 CO as of 8/10), Care credit (no balance reported, transferred '10), PayPal (no bal reported, transferred '10), HSBC ($1,000 CO 12/10) HSBC ($400 CO 12/10), Macys ($2,500 CO 12/10), Discover ($3,400 CO 11/10). These all had collection agencies attached to them. Thanks to this board, I managed to get
  13. Hi Everyone, Okay, I need a bit of help from some of the experts here. I'm in the middle of the usual cycle of nightmares with TeleCheck, and I'm beginning to think I may end up having to take them to court just to get my complete file, let alone fixing their errors. So, I'm trying to put together all of the information I'll need and to make sure I've got my ducks in a row first. I'll mention that I've done a search on the forums but haven't seen anything that's closely comparable to my issue, so hence why I'm asking. If someone knows of another thread where this is dealt with, I'd appreci
  14. Just had to share: I started with the pre-HIPAA, as WhyChat says, just around a month ago, after having foolishly sent a PFD offer (that was obviously rejected). Should have done it sooner - wish I had known sooner. There was only one collection I was dealing with, and it was reporting as a current/open, so was really hitting my scores pretty bad. TU responded within about 4-5 days with a deletion. Got my EQ and EX responses today - both deleted. Thank you, WhyChat, I would have never known I could even try this without all of your information.
  15. So it's been 30 days since I sent my disputes. TU responded immediately with a deletion. EQ and EX have not responded yet. What I'm wondering is - how long do I give after the end of the 30 days for them to actually get a response to me? Are they required to respond? What do you do if they don't?
  16. OMG. I had a paid civil judgment that I was trying to get rid of. I disputed it on TU and EX (EQ wasn't reporting it), and had no response from GW attempts with the OC. I tried WhyChat's method. Bingo! TU wrote today to say it was *deleted.* Wow! I'm still waiting to hear back from EX (I'm not holding out much hope for that one, though). Now I have to work on a paid fed tax lien. I've asked the IRS to withdraw it but it seems unlikely. We'll see. Thanks so much for your help, CB!! Oh, and I also had a medical collection on there that was due to be removed from the report in two months so I
  17. I'm trying to get a little clarity on this 15 extra days for investigation CRA's can get that I keep reading about. Specifically, what I'm reading is that if you order your report online, then if you dispute something, they have an extra 15 days - making it 45 instead of 30 for them to respond. I'm unclear on a few things, though - so I'm hoping someone can help me understand better. First, a bit of background (in case I'm overlooking something) I'm 4 months out from being able to get my free report again, otherwise I would just use the form at http://www.consumer.ftc.gov/articles/pdf-
  18. I fired off a certified letter to EX on 11/05/13 and it was received on 11/08/13. I supplied proof of the original documentation to prove my case and I have backed up copies of past reports (but I didn't feel the need to send them at this point). EQ and TU have deleted this TL earlier this year but EX wouldn't budge. I had been monitoring the activity through the backdoor and noted that this weekend it was marked "under investigation". Well, I checked today and my last baddie that they have reaged for years is suddenly gone. A total of 10 days since receipt of my dispute and it's gone...
  19. Hi All, Thanks for reading my thread, I hope I am not over doing it by posting too many threads ( this is my third one) . Ok here is my dilemma, 1. I had a JDB pop up on my CR, sent Validation they responded. In a nutshell can't validate will request for removal with CRA and they will remove my info from their database. A month to date, still on my CR . Last week Thursday called the CRA told them what has transpired, I gave info over the phone, name of the reporting CA, date of letter the CA sent it to me, and the name of the person who signed it ( which was a manager). Was told
  20. First time post! Been doing a LOT of reading and I'm sure someone will point out something else for me to read so just know I'm willing to learn! Started a Jack Attack in early May focusing on a private Sallie Mae account (CO) and two Capital One accounts (both CO & Paid in Full) with TU, EQ, EX. Received some responses and some deletions of incorrect personal name and address information and only updates of the disputed accounts. Started a complaint with CFPB in early June disputing the accounts while still waiting on responses to the rest of my Jack Attack letters with the CRAs.
  21. So I am asking while these accounts have special circumstances here. Most of them are due to fall off at the end of the year. I have a mortgage and a couple of Charge-offs. With these being verified on disputes with CRAs, what would be best route to take at this point. - Goodwill to Creditor (Mortgage was involved in lawsuit for illegal foreclsure proceedings and received settlement for NATIONAL MORTGAGE SETTLEMENT) Was thinking about using this as leverage for a sympathy case goodwill - 623 Dispute (if thats the right number) (Should I go at the creditor producing some docs..
  22. Hello all... I have sent a dispute letter to Transunion, Equifax, and Experian. This letter went un-awnsered for 50 days. I followed up with a second dispute letter sent CMRR. I have received a response from all three, two of which state that the information will be removed. I do not trust that it will be, as I have been fighting with them for years over the same problems (my father and I have the same name, and our reports get mixed up). I have read that after changes have been made due to a dispute, that I can request a free paper copy of the updated reports. Is this true? And if so, doe
  23. Experian finally sent Investigation results in reference to a dispute mailed in on June 3, 2013. They received on June 12, 2013 and so started the clock from this date. The Investigation results letter is dated July 23rd so since i did not have a report number referenced in initial dispute (used 3 in 1 site) I calculate where they would have 45 days though i repeatedly state 30 with them. Their results dated letter falls within the 45. I disputed 4 accounts of which 1 was deleted, and the only information in the dispute results along with that is that my RESIDENCE was also updated. Out of the
  24. Background: All debts are out of SOL. All should fall off within the next year. I have around 15-20 negative trade lines, most are From major credit issuers (OC) plus corresponding JDBS ( the nasty ones). I've never disputed anything. My understanding is that I should start with a basic letter to the CRAs asking for verification? The JDBs list accounts that I'm really not familiar with but I guess that since they are so old, the company names have changed? I don't want to say "not mine" because I have no idea and I don't want a fraud alert. Can I say I don't recognize them which is tr
  25. What other types of accounts would help with the depth and overall score on your credit reports besides credit cards? I notice a lot of conversation about credit cards but not much on other types of credit like loans and such. Any suggestions or insights? Anyone? Thanks.
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